Search found 911 matches

Return to advanced search

Re: Advice for how to help a grieving FIL with daily finance

neurosphere wrote:Thanks again everyone for the suggestions. MIL passed last week, surrounded by family at the moment of her death.

My father in law is distraught, appropriately, but functional and able to attend to practical details. He will be fine.


I'm sorry to hear about your wife's loss.

Cosmo
by Cosmo
Sun Mar 01, 2015 10:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice for how to help a grieving FIL with daily finances
Replies: 15
Views: 1472

Re: Do you consider mortgage payments as savings?

Interesting thread here. Bottom line: this changes your bottom line. With each mortgage payment as your principle gets paid off, your NET WORTH increases by the same amount. So as with saving and investing, it is just another way to increase your net worth. Cosmo On the other hand, each time you bu...
by Cosmo
Sat Feb 28, 2015 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 78
Views: 3326

Re: Favorite chocolate candy

Anything dark and that usually costs a lot. After many trips to Europe, tasting the wonderful chocolates of Turin, Brugge, Paris, ... I can't stomach anything that says Hersheys or Mars. For cheap stuff, wife and I are both addicted to Trader Joes dark chocolate peanut butter cups. Other than that ...
by Cosmo
Sat Feb 28, 2015 8:46 am
 
Forum: Personal Consumer Issues
Topic: Favorite chocolate candy
Replies: 23
Views: 1264

Re: Do you consider mortgage payments as savings?

Interesting thread here. Bottom line: this changes your bottom line. With each mortgage payment as your principle gets paid off, your NET WORTH increases by the same amount. So as with saving and investing, it is just another way to increase your net worth.
Cosmo
by Cosmo
Sat Feb 28, 2015 8:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 78
Views: 3326

Re: Vanguard change of address - word of warning!

Not understanding. Why would you or anyone else give an address at a place where you no longer live "for their records"?
by Cosmo
Thu Feb 26, 2015 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard change of address - word of warning!
Replies: 7
Views: 1291

Re: UGA: Locking in the Current Price of Gasoline

I am thinking about buying $25,000 worth of the ETF "UGA", which tracks the price of gasoline. At current prices, we'll use about $5000 worth of gasoline per year. This would "lock in" about 5 years of gas at today's prices. The two downsides I can think of are potential capgain...
by Cosmo
Sun Feb 22, 2015 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: UGA: Locking in the Current Price of Gasoline
Replies: 15
Views: 1248

Re: What age do you guys plan to retire?

Sometime in my late 50's hopefully.
by Cosmo
Sun Feb 22, 2015 2:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8532

Re: What % of your gross income do you spend on mortgage/ren

15 Year mortgage + property tax + insurance + utilities is right around 20%. I didn't think that was high until I started comparing myself to others here still with a mortgage. Wow, an eye opener.

Cosmo
by Cosmo
Sun Feb 22, 2015 1:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: What % of your gross income do you spend on mortgage/rent?
Replies: 155
Views: 8662

Re: Poll: Largest fraudulent charge to your credit card(s)?

What has been the largest fraudulent amount charged to your credit card(s) in a single transaction? I'm curious at how audacious the perps are since today one of our cards had fradulent charges. Let's stick to a single transaction though and not the sum of all fraudulent charges even if in a short ...
by Cosmo
Fri Feb 20, 2015 6:30 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Largest fraudulent charge to your credit card(s)?
Replies: 49
Views: 2360

Re: Car Battery in Unusual Cold

Question: For those retired and not needing to use car every day, how often do you start it up and run in these unusual cold spells? (Have no garage, and I do understand wind chill is not a factor for cars ) My battery is almost 5 years old, so I worry if I let the car go without starting more than...
by Cosmo
Thu Feb 19, 2015 6:58 pm
 
Forum: Personal Consumer Issues
Topic: Car Battery in Unusual Cold
Replies: 87
Views: 3688

Re: A Special Message From Social Security--NOT!

I have just received an email with Subject "A Special Message From Social Security." The message suggests to log in to my Social Security account to get tax related information. It seems legitimate. HOWEVER, the message contains links to the sign in, which could be used for phishing. If t...
by Cosmo
Tue Feb 17, 2015 9:25 pm
 
Forum: Personal Consumer Issues
Topic: A Special Message From Social Security
Replies: 68
Views: 6171

Re: Attic Retrofit: Spray Foam Insulation [Updated w Images]

Gotta love it on Bogleheads when an 8 degree Fahrenheit difference turns a comparison into apples and oranges! Remember, we're not talking about expense ratios here! :happy These are the temperatures Nicor provided on our bill for the following months: NOV 2013: 39 2014: 46 DEC 2013: 26 2014: 35 JA...
by Cosmo
Mon Feb 16, 2015 4:19 pm
 
Forum: Personal Consumer Issues
Topic: Attic Retrofit: Spray Foam Insulation [Updated w Images]
Replies: 50
Views: 5336

Re: Attic Retrofit: Spray Foam Insulation [Updated w Images]

Not to discourage your hard work and efforts thus far, I noticed your comment in your OP above about this winter being an "apples to apples" comparison to last winter. The winter of 2014/2015 is not anywhere close to how cold the prior year was in the Chicago area: Here are some stats for ...
by Cosmo
Mon Feb 16, 2015 1:48 pm
 
Forum: Personal Consumer Issues
Topic: Attic Retrofit: Spray Foam Insulation [Updated w Images]
Replies: 50
Views: 5336

Re: Overfilled Oil in Car - Cause of Oil Leak?

Raymond wrote:
itstoomuch wrote:NEVER, EVER go to a quick change oil shop.


+1

As I understand it, the people who work there are not qualified mechanics, and don't really follow the necessary procedures.



The people who change their oil themselves are not qualified mechanics and don't really follow the necessary procedures.
by Cosmo
Sat Feb 14, 2015 10:13 pm
 
Forum: Personal Consumer Issues
Topic: Overfilled Oil in Car - Cause of Oil Leak?
Replies: 29
Views: 1555

Re: tipping by iPad

Slightly off-topic but has anyone noticed the iPads at the table at Chili's restaurants? Apparently, you can now order food directly from the iPad (or tablet) device and they will bring it out directly. My nine year old noticed that he could play video games on it. "Yay!", he says. "Y...
by Cosmo
Mon Feb 02, 2015 9:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: tipping by iPad
Replies: 40
Views: 2916

Re: Keurig-cup coffee makers - why?

Hug401k wrote:I got a Keurig because you can brew one hot cup of coffee in the middle of the day while holding a baby.


This is probably the best reason I heard thus far! Yeah, convenience.
Cosmo
by Cosmo
Sun Feb 01, 2015 8:46 am
 
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 120
Views: 9223

Re: Filed your 2014 Federal Taxes yet?

Finished and filed today!
by Cosmo
Sat Jan 31, 2015 9:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Filed your 2014 Federal Taxes yet?
Replies: 60
Views: 4040

Re: POLL: How Will You Complete Your 2014 Taxes?

Turbo Tax Small Business Edition. The DW does some tutoring in the surrounding neighborhood.

Cosmo
by Cosmo
Sat Jan 31, 2015 9:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Will You Complete Your 2014 Taxes?
Replies: 69
Views: 4758

Re: Mac reliability?

There seems to be some misinformation here on the supported lifespan of a typical Mac -assuming no hardware failure. The latest Apple OS X Yosemite runs fine on all Macs going as far back as: iMac (Mid 2007 or newer) MacBook (Late 2008 Aluminum, or Early 2009 or newer) MacBook Pro (Mid/Late 2007 or ...
by Cosmo
Sat Jan 31, 2015 7:49 pm
 
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 80
Views: 3838

Re: What is your BMI?

Interesting. I am 6' even and weigh around 178 lbs and that chart puts me on the top end of normal. I am just a few pounds from being overweight. While I don't sport a six pack, I seriously doubt that.
by Cosmo
Thu Jan 29, 2015 9:27 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: What is your BMI?
Replies: 28
Views: 2044

Re: Poll: Do you contribute max to tax-advantaged before 529

Yes, I contribute the max to tax-advantaged plans ( my 401(k) plan and Roth and her Roth) before contributing to the 529 plan. I have around $88,000 saved up for my two sons, aged 6 and 9. Based on posts here, I am unsure whether to keep funding them or just pay the rest of the upcoming college expe...
by Cosmo
Thu Jan 29, 2015 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Do you contribute max to tax-advantaged before 529?
Replies: 38
Views: 2762

Re: 400ft Driveway - How do I plow the snow?

Another vote for finding the local "plow guy" who does many other homes within your neighborhood. Growing up in Ohio, this is what my parents did when I went off to college and I wasn't around to shovel. This is way more convenient for them since they plow in the area and it will increase ...
by Cosmo
Mon Jan 26, 2015 7:27 pm
 
Forum: Personal Consumer Issues
Topic: 400ft Driveway - How do I plow the snow?
Replies: 67
Views: 5365

Re: Poll: Principles of Boglehead Philosopy

You agree this is important during the accumulation stage? Otherwise, you will never get to the point of reaching your "number" or being able to retire, correct? I guess there is a happy medium. I also could have returned the Rolex my wife bought me for Christmas, and the $750 Tumi briefc...
by Cosmo
Sat Jan 24, 2015 10:45 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 68
Views: 3821

Re: Poll: Principles of Boglehead Philosopy

For the life of me, I have never understood how "living below your means" became so ingrained in an investing philosophy. Don't get me wrong, saving is extremely important. But once you save enough, isn't the goal to have fun with all that money you saved? You can't take it with you. You ...
by Cosmo
Sat Jan 24, 2015 9:46 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 68
Views: 3821

Re: Is my term life policy quote too high?

I had a whole life policy for about a year and realized it was a poor product about a year ago, so I got rid of it. I recently decided to go through the process and purchase a term policy for 30 years at 1 million dollars. I have a family history of cancer (2 grand parents, both parents, my father ...
by Cosmo
Sat Jan 24, 2015 8:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Is my term life policy quote too high?
Replies: 39
Views: 2499

Re: Where to get medallion signature guarantee

I don't get the "big national banks not giving medallion signature guarantees" thing. What's wrong with them? The whole medallion signature guarantee thing is a royal pain but it is, or should be, a customary bank service and I've never had an issue with the small bank I do business with....
by Cosmo
Sat Jan 24, 2015 8:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to get medallion signature guarantee
Replies: 32
Views: 2781

Re: Where to get medallion signature guarantee

Tell Vanguard that you cannot get a Medallion Signature Guarantee and ask them to do the research for you to find out where you personally in your location can get one. Make it Vanguard's problem and not your problem. Years ago when we did not have a local bank, my spouse opened a checking account ...
by Cosmo
Sat Jan 24, 2015 8:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to get medallion signature guarantee
Replies: 32
Views: 2781

Re: Poll: Principles of Boglehead Philosopy

Ten, eleven, or whatever is the right number of the Bogleheads principles, provide a comprehensive view of one's personal financial management. Perhaps, things like adequate insurance and estate planning belong here, too. However, the most effective number to focus on is THREE. If you have a list o...
by Cosmo
Sat Jan 24, 2015 8:31 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 68
Views: 3821

Re: What age did you hit $100,000?

It didn't happen to me until I hit my early 30's and I got married. When we combined our assets, we were immediately well above $100,000.
Cosmo
by Cosmo
Wed Jan 21, 2015 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 68
Views: 6036

Re: Do you bring lunch to work or buy?

I brown bag it (so to speak) 3 times per week and then usually go out and buy a lunch somewhere the other two days. I said that phrase, "brown bag it" to my nine year old the other day and he had no idea what I was talking about.

Cosmo
by Cosmo
Wed Jan 21, 2015 9:04 pm
 
Forum: Personal Consumer Issues
Topic: Do you bring lunch to work or buy?
Replies: 122
Views: 12962

Re: Keurig-cup coffee makers - why?

Unless I'm missing something, brewing a K-Cup of coffee costs about 60 to 75 cents, while brewing the highest quality ground or whole-bean coffee comes out to under 10 cents a cup. I know there's a convenience factor (less stale unused coffee which often goes down the drain), but can any of you exp...
by Cosmo
Wed Jan 21, 2015 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 120
Views: 9223

Re: 529 Plans Reform

As already discussed, the middle class should not be using 529 plans since they are not wealthy enough to contribute the max to their retirement plans first. Indeed, doing away with 529 plans would probably be beneficial to the middle class because college costs would drop and their retirement plan...
by Cosmo
Tue Jan 20, 2015 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: 529 Plans Reform
Replies: 24
Views: 1387

Re: 529 Plans Reform

Mods, if you feel this thread should be locked, please do so. I did not want this to turn political. I am just trying to figure out what this means for me and others in the future. If our earnings will once again be taxed at our own tax rates, well that really changes things going forward and this o...
by Cosmo
Tue Jan 20, 2015 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: 529 Plans Reform
Replies: 24
Views: 1387

529 Plans Reform

If there is any truth to this, it would not be a good thing. http://www.forbes.com/sites/ryanellis/2015/01/19/obamas-new-state-of-the-union-tax-hike-on-middle-class-529-college-savers/2/ The Obama plan aims to turn back the clock, once again taxing earnings growth in 529 plans as ordinary income. Co...
by Cosmo
Tue Jan 20, 2015 12:37 pm
 
Forum: Investing - Theory, News & General
Topic: 529 Plans Reform
Replies: 24
Views: 1387

Re: Capital Gains help

I would love to have capital gains, which are not that bad. I am surprised that some people think market crash is a good thing so that they can do tax loss harvesting. That was my thought initially. Thinking about it more, though, tells me that is the wrong way of looking at it. It is very possible...
by Cosmo
Mon Jan 19, 2015 9:31 pm
 
Forum: Investing - Theory, News & General
Topic: Capital Gains help
Replies: 25
Views: 1475

Re: Do you bring lunch to work or buy?

VictoriaF wrote:This thread was inactive for 4 years and 8 months. That was a long lunch.

Victoria


Hahaha. This would be a fun experiment. Let's resurrect a post that is 7 years old and see what happens!
by Cosmo
Mon Jan 19, 2015 7:34 pm
 
Forum: Personal Consumer Issues
Topic: Do you bring lunch to work or buy?
Replies: 122
Views: 12962

Re: calculating roth vs taxable

Perhaps the OP is asking about the Roth vs. the Traditional? Not sure.
by Cosmo
Mon Jan 19, 2015 12:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: calculating tax deferred vs taxable
Replies: 11
Views: 613

Re: calculating roth vs taxable

A Roth is always better. All earnings and principal are fully tax-free when you withdrawal.

http://www.bogleheads.org/wiki/Roth_IRA

Cosmo
by Cosmo
Mon Jan 19, 2015 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: calculating tax deferred vs taxable
Replies: 11
Views: 613

Re: Land - Me or my Neighbor

IANAL, but: If you maintain it for your own aesthetics, that should be OK. Others using the property, that is your neighbor's problem. That should also not be much of an issue, unless the land contains an attractive hazard, such as a pond or playground equipment. Talk to your insurance agent. If yo...
by Cosmo
Mon Jan 19, 2015 10:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Land - Me or my Neighbor
Replies: 44
Views: 3456

Re: Fidelity's Spartan Global ex U.S. Index Fund - good choi

Yet another bump of this now 4+ year old thread. I have been imitating a three-fund portfolio for a while now and it has pretty much been on auto-pilot. Perhaps too much on auto-pilot. And when my 401(k) announced this addition (I'm assuming at around this time that this thread was created), I total...
by Cosmo
Sun Jan 18, 2015 11:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity's Spartan Global ex U.S. Index Fund - good choice?
Replies: 15
Views: 3763

Re: Time to protect against rising inflation?

adamthesmythe wrote:> Time to protect against rising inflation?

Based on the numbers you quoted, what I read in the news, and what is happening in the bond market, the answer is clearly NO.


It's not the expected inflation I am worried about. I am concerned about the UNEXPECTED inflation.
by Cosmo
Sat Jan 17, 2015 8:21 pm
 
Forum: Investing - Theory, News & General
Topic: Time to protect against rising inflation?
Replies: 31
Views: 2678

Re: Net Worth Survey, 2015 Edition

Love the collaboration and the sharing of results going on here! Thanks to everyone for their contributions.
Cosmo
by Cosmo
Sat Jan 17, 2015 12:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 135
Views: 23281

Re: Benefits of Second Home

I think one key to the OP's happiness is that his 2nd home is only 30 minutes from his first. For many folks, the optimal 2nd home location (near beach/mountains/woods by river or lake) is not close by, or the very limited number of such locations that ARE nearby are also very pricey. A 2nd home th...
by Cosmo
Sat Jan 17, 2015 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Benefits of Second Home
Replies: 35
Views: 3290

Re: Getting deposed -- do I need to hire my own lawyer?

No offense, but you are overthinking it. They aren't suing you. Just go in and answer the questions honestly as that is the ethical and legal obligation of ANYONE under oath. Yours, theirs, or any lawyer will tell you the same. No lawyer is going to tell you to bend the truth. Ethically and legally...
by Cosmo
Sat Jan 17, 2015 10:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting deposed -- do I need to hire my own lawyer?
Replies: 47
Views: 4577

Re: If you were going to retire at 57 what would your number

If you were going to retire at 57 and not take either SS or a pension until 67 what would you number be? It really depends on spending needs and desires. Someone who wants $40,000/year is going to have a different number than someone who wants $400,000/year. +1 I don't understand the point of this ...
by Cosmo
Sun Jan 11, 2015 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: If you were going to retire at 57 what would your number be?
Replies: 35
Views: 4035

Re: Today is a Good Day to fund the 2015 IRA

The reason I have not taken care of my 2014 IRA is because I am unsure of my allowed maximum contribution and will not be sure for a few more weeks until I know my total income for 2014. I will not know my total income for 2014 until Vanguard gets its act together and tells me the value of the divi...
by Cosmo
Tue Jan 06, 2015 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Today is a Good Day to fund the 2015 IRA
Replies: 69
Views: 8150

Re: Net Worth Survey, 2015 Edition

mickeyd wrote:Can't wait to see the final results.

Thanks for taking the time and effort to create this valuable survey.


Interesting so far. Looking forward to see the final results as well.
Cosmo
by Cosmo
Tue Jan 06, 2015 7:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 135
Views: 23281

Re: Term life insurance decision

I'm not sure you really need additional insurance in this case. If you die during these working years, there would be a SS survivor benefit for your wife starting at that time, not delayed until retirement age. SS is not just retirement, there are also death and disability benefits when they apply....
by Cosmo
Tue Jan 06, 2015 7:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term life insurance decision
Replies: 8
Views: 830

Re: Do you generally spend more when using credit cards?

Very interesting poll. The thought never occurred to me that I would spend more if I use my credit card versus using cash. Probably because I treat our credit cards like cash as we always pay off the full amount every month.
Cosmo
by Cosmo
Tue Jan 06, 2015 6:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you generally spend more when using credit cards?
Replies: 71
Views: 2745

Re: What do you drive, and why?

I drive a 2010 Mazda CX-9 because I have two kids and I feel safer in a bigger car. I absolutely love this Mazda. It feels and handles like a much smaller car and it definitely has some horsepower too when I need it. My wife has an Acura MDX, which is a similar size. When both cars are at home and I...
by Cosmo
Tue Jan 06, 2015 6:38 pm
 
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 205
Views: 17743
Next

Return to advanced search